Re: Auto Loan Approvals!

APPROVING BANK: JPMorgan Chase BUREAU PULLED: ALL CREDIT SCORE: 640 CUSTOMER STATE OF RESIDENCE: CA NEW/USED: NEW YEAR OF VEHICLE: 2008 MAKE: Mercedes-Benz MODEL: CLK350 Carbiolet MILEAGE: 100 RETAIL/LEASE: RETAIL (MSRP $61,000) AMOUNT OF LOAN: $48000 TERM CONTRACTED: 60 APR/LEASE RATE: 9.99 MONTHLY PAYMENT: 1050 MISCELLANEOUS COMMENTARY: I think the dealer ripped me on the finance. I'm going to refi in a few months when I'm at 660. i can then get 5.9 through my CU. Getting a car loan with marginal credit is a lot easier than I thought!

Re: Auto Loan Approvals!

APPROVING BANK:Wachovia Dealer ServicesBUREAU PULLED: ExperianCREDIT SCORE: 600CUSTOMER STATE OF RESIDENCE: CANEW/USED: UsedYEAR OF VEHICLE: 2007MAKE: NissanMODEL: Pathfinder SEMILEAGE: 21KRETAIL/LEASE:AMOUNT OF LOAN: $22,401TERM CONTRACTED: 72 monthsAPR/LEASE RATE: 18.99%MONTHLY PAYMENT: $439MISCELLANEOUS COMMENTARY: will update the rest of the fields once I find out. Nissan showed me all 3 CRA scores but was unsure if they were FICO or FAKO. I was approved and took vehicle home but for the next 2 weeks, I received about 6 or 7 letters from various banks that had refused my credit application. It was a month later when I got a statement from Wachovia welcoming me to their ranks.

Re: Auto Loan Approvals!

BUREAU PULLED:EQCREDIT SCORE:672CUSTOMER STATE OF RESIDENCE: DCNEW/USED:UsedYEAR OF VEHICLE:2007MAKE:AcuraMODEL:TLMILEAGE:16075RETAIL/LEASE:RetailAMOUNT OF LOAN:$ 22,606.57TERM CONTRACTED:60 monthsAPR/LEASE RATE:4.75%MONTHLY PAYMENT:$ 424.97MISCELLANEOUS COMMENTARY: PenFed is an incredible credit union. Great customer service and very quick with loan approvals and disbursing a check to the car dealership.

MODEL: Mazda5MILEAGE: 9RETAIL/LEASE: FinancingAMOUNT OF LOAN: 18200TERM CONTRACTED: 60 monthsAPR/LEASE RATE:6.9%MONTHLY PAYMENT: 358MISCELLANEOUS COMMENTARY: I got approved with Mazda Credit back in May 08 when my Equifax score was in 700s. I applied a few credit cards and transfered balances that lower my scores to 666. The dealer ran Equifax for Mazda Credit and Transunion for Compass Bank. They do not have any special rate for 09 Mazda5 like the 08s. I put $2000 down and I will try to refinance when my score is up to 700 again. I applied for Penfed and got denied due to new card and balances.

MISCELLANEOUS COMMENTARY: Was approved for the blank check for $18,975 but was able to find a good deal and stay under that amount. Very painless way to buy a vehicle. I didn't even have to provide proof of income. My scores have taken a dip, especially EX. Hopefully by early next year they will start going up again.

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